Tera App

Tera is the easiest way for any group of people to put money together — and actually see where it goes.

Whether you're organising a wedding, raising funds for a friend in need, running a savings club, planning an event, collecting for a project at work, or saving for school fees with the family — Tera gives every group its own shared
wallet, a clear goal, and a transparent record of every franc that comes in or goes out.

Create a group in under a minute, invite members by phone, and let everyone pay in directly from MTN Mobile Money, Airtel Money, Visa / Mastercard, or any of 13+ Rwandan banks. The balance updates in real time on a clean dashboard. When
it's time to spend, an Admin requests the withdrawal and a Checker approves it before any money moves — so no single person is ever holding the bag.

What Tera does

- One app, any kind of group — weddings, funerals, fundraisers, events, savings circles, SACCOs, business partners, family pots, or a fully custom group of your own design.
- Collect from anyone — members pay in-app; non-members can contribute via a shared payment link or QR code, no install required.
- Set a goal, see the progress — optional target amount and deadline with a live progress bar so the whole group is on the same page.
- Flexible contributions — fixed daily, weekly or monthly, or anytime top-ups. You decide the rhythm.
- Roles that protect the group — Admin, Treasurer, Checker and Member, with a dual-approval withdrawal flow that stops mistakes and fraud before they happen.
- Pay out anywhere it matters — withdraw to mobile money or any major Rwandan bank account, with account-name validation before the money leaves.
- Reports you can actually use — PDF summaries, contribution lists and full withdrawal history for audits, AGMs, or just peace of mind.
- Notifications that keep everyone honest — every contribution, approval and payout pings the group in real time.
- English and Kinyarwanda — full bilingual interface.
- Secure by default — phone + OTP signup, PIN lock on sensitive actions, KYC-tiered limits.

Who Tera is for

Anyone who's ever had to chase contributions in a WhatsApp group, hold cash for someone else, or argue about a missing 5,000 RWF. Friends, families, work teams, churches, savings clubs, event committees, fundraising organisers — if more
than one person is putting money in, Tera is for you.

Built in Rwanda, for how Rwanda actually moves money

Tera is built by Centrika on Rwandan payment rails, in Rwandan Francs, in Kinyarwanda and English.

Tera — Together, it adds up.